Find out if you are negative just by using your CPF

The CPF (Individual Personal Registry) is an 11-digit number that identifies each Brazilian citizen with the Federal Revenue Service, that is, whether it is negative or not. In addition to this definition, it makes it easier to check debts in your name, whether you are regulated as a Brazilian citizen and whether you are up to date with the tax authorities.

To check the situation, there are several alternatives, you can choose to make a copy via the Federal Revenue website, consult through credit protection agencies, such as Serasa and SPC (Credit Protection Service), among other options.

Furthermore, it is important to emphasize that counseling does not affect your credit score positively or negatively. In other words, the famous result.

What does it mean to have a negative CPF?

Having a negative CPF means there are restrictions on credit protection bodies, such as Serasa and/or SPC. This can happen when you do not pay debts or have pending financial issues, and this information is recorded in the systems of these institutions.

If your document is negative, you may have difficulty obtaining certain types of loans, purchasing on installments, or opening accounts. Therefore, the default position can be an obstacle to these transactions.

How to solve the situation?

To resolve a negative situation, it is necessary to settle debts. Paying off or renegotiating debt is the first step. The creditor must then request that the debtor’s name be deleted from the records of credit protection agencies.

If the creditor does not do so, the consumer can submit this request himself, but he must be sure that he has already paid the debt before that.

Finally, to avoid negativity, Brazilians can take some measures. Financial planning before taking on debt, setting a credit limit that suits your standard of living, paying debts on time and negotiating in case of difficulties are important measures in this regard.

Credits: Your digital balance.